Cash dispensing automated banking machine system and method

• US 8,210,426 B1
• Filed: 01/12/2011
• Issued: 07/03/2012
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Barker, David A., Nelson, Donald S., Magee, Paul D., Doland, Anne, Steinbach, Klaus, Lute, Richard C., Motz, Ray, Block, James
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US12/930,615
• Time in Patent Office: 538 Days
• Field of Search: 235379-381, 705/35, 705/43, 705/45, 902/8
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs

Abstract

An automated banking machine is operative to carry out financial transactions and includes a user interface. The user interface includes a card reader which is operative to read data on user cards which identify user'"'"'s financial accounts. A fascia of the machine includes a keypad through which users input confidential data. Covers prevent unauthorized persons from viewing confidential inputs to the keypad. Alternatively, movable panels are movable to prevent unauthorized viewing of confidential inputs. Alternatively a keypad cover is selectively collapsible to prevent digit access. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Disinfecting techniques may be used to disinfect manual contact surfaces of the machine.

Claims

1. Apparatus comprising:

an automated banking machine including;

at least one reader,

a keypad including a plurality of keys,

a display,

at least one processor in operative connection with the at least one reader, the keypad, and the display,

wherein the at least one processor is operative responsive to signals to the display to determine if the display is providing at an inappropriate time, at least one output that requests at least one confidential user input to the machine,

wherein responsive to a positive determination, the at least one processor is operative to cause the machine to take at least one action related to detection of an unauthorized condition at the machine.

2. The apparatus according to claim 1 wherein the automated banking machine is part of a banking system,

wherein the machine includes the at least one processor,

wherein the machine includes a cash dispenser,

wherein the at least one reader is operative to read user data usable to identify at least one of a user of the machine and a financial account associated with a user transaction session,

wherein the at least one reader includes both

at least one card reader, and

at least one biometric reader,

wherein the at least one processor is operative during a user transaction session with the machine to

cause card data to be read from a card through operation of the at least one card reader, and cause the read card data to be compared with card information stored in at least one data store, and

cause biometric data to be read through operation of the at least one biometric reader, and cause the read biometric data to be compared with biometric information in the at least one data store,

wherein the at least one processor is operative to authorize the user to request a financial transaction involving the cash dispenser responsive at least in part to both

computer-determined correspondence between the read card data and stored card information, and

computer-determined correspondence between the read biometric data and stored biometric information,

wherein the at least one processor is operative to cause data corresponding to at least a portion of read card data to be sent in at least one first message to at least one remote computer remotely located from the machine,

wherein the at least one processor is operative to allow cash to be dispensed from the machine responsive at least in part to receipt by the at least one processor of at least one second message from the at least one remote computer.

3. The apparatus according to claim 1 wherein the at least one processor is operative responsive to a positive determination, to encrypt through operation of the keypad, keypad output signals corresponding to user inputs through the keypad.

4. The apparatus according to claim 3 wherein the at least one processor is operative to determine if the signals to the display cause the display to output instructions to input a personal identification number (PIN) to the machine.

5. The apparatus according to claim 1 wherein the at least one processor executes instructions including character recognition software, and wherein a positive determination is made responsive to execution of the character recognition software.

6. The apparatus according to claim 1 and further comprising:

at least one indicator, wherein the at least one indicator is in operative connection with the at least one processor,

wherein the at least one processor is operative responsive to a positive determination, to cause the at least one indicator to indicate that inputs to the keypad are being encrypted.

7. The apparatus according to claim 1 wherein the at least one action includes sending at least one message from the machine to a remote computer, wherein the at least one message indicates an abnormal condition at the machine.

8. The apparatus according to claim 1

wherein the at least one processor is operative to receive unencrypted signals corresponding to at least one numerical value input through the keypad,

wherein the keypad includes at least one data store,

wherein the at least one data store includes at least one public key and at least one private key.

9. The apparatus according to claim 1

wherein the machine includes a user interface,

wherein the user interface includes the display, the keypad, and at least one indicator,

wherein the at least one indicator comprises an illuminating device,

wherein the keypad includes the illuminating device.

10. The apparatus according to claim 1 and further comprising a keypad cover overlying at least some of the keys of the keypad, wherein the cover bounds an opening transversely disposed of at least some of the keys of the keypad, and wherein the cover is configured such that the keypad is not fully visible through the cover except from a point of view of a user operating the machine.

11. The apparatus according to claim 1 wherein the keypad cover comprises flexible material, and wherein the keypad cover is changeable between a collapsed condition and an operative condition responsive to the at least one processor, and wherein in an operative condition all of the keys of the keypad are digit accessible, and in the collapsed condition of the keypad cover at least one key of the keypad is not digit accessible.

12. Apparatus comprising:

an automated banking machine including;

at least one reader,

a keypad including a plurality of keys,

a user display,

at least one processor,

wherein the at least one processor is in operative connection with the at least one reader, the keypad, and the user display,

wherein the at least one processor is operative to analyze signals corresponding to outputs through the user display,

wherein the analysis includes determining if the user display is receiving at an inappropriate time, signals that cause at least one output through the user display that requests from a machine user, user input of confidential information through at least one of the keypad, the user display, and the at least one reader.

13. The apparatus according to claim 12 wherein the automated banking machine is part of a banking system,

wherein the machine includes the at least one processor,

wherein the machine includes a cash dispenser,

wherein the at least one reader is operative to read user data usable to identify at least one of a user of the machine and a financial account associated with a user transaction session,

wherein the at least one reader includes at least one of a card reader and a biometric reader.

14. The apparatus according to claim 12 wherein the at least one processor is operative responsive to a positive determination, to cause signals corresponding to inputs to the keypad to be encrypted.

15. The apparatus according to claim 12 wherein the at least one processor is operative to cause the machine to execute a transaction sequence,

wherein the transaction sequence includes a plurality of states, and

wherein the transaction sequence includes a first state,

wherein in the first state the at least one processor is operative to both

cause a display to output a request to input confidential information through the keypad and

cause encryption of signals corresponding to data input through the keypad,

wherein the at least one processor is operative to carry out a positive determination while the machine is not in the first state.

16. The apparatus according to claim 12 wherein the at least one processor is operative responsive to a positive determination, to cause the machine to send at least one message to a remote computer indicating an abnormal condition of the automated banking machine.

17. The apparatus according to claim 12 wherein the at least one processor includes computer executable instructions that include character recognition software, wherein a positive determination is made responsive to execution of the character recognition software.

18. Apparatus comprising:

an automated banking machine including;

a user display,

at least one computer in operative connection with the user display,

wherein the at least one computer includes computer executable instructions,

wherein the at least one computer is operative to determine based at least in part on at least one signal associated with the user display, if the machine received an unauthorized modification which enables the user display to be fraudulently used to request confidential information from a machine user.

19. The apparatus according to claim 18 wherein the automated banking machine is part of a banking system,

wherein the machine includes the at least one computer,

wherein the machine includes a cash dispenser,

wherein the at least one reader is operative to read user data usable to identify at least one of a user of the machine and a financial account associated with a user transaction session,

wherein the at least one reader includes at least one of a card reader and a biometric reader.

20. The apparatus according to claim 18 wherein the at least one computer is operative responsive to a positive determination, to cause at least one message associated with machine security to be sent to at least one remote computer.